Compare the Cost of Honda Pilot Insurance by Model Year and Company

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Updated: January 15, 2025

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Car insurance costs can vary depending on your age. For example, insuring a 2022 Honda Pilot can cost a 16-year-old driver as much as $6,623 per year, whereas a 40-year-old driver may only need to pay $1,493 yearly. Similarly, insuring a 2009 Honda Pilot can cost a 16-year-old driver around $5,442 per year, while a 40-year-old driver only pays $1,178 per year.

MoneyGeek thoroughly evaluated the leading insurers, considering the balance between coverage and cost. This analysis considered affordability, service quality and claims management.

Key Takeaways

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When seeking affordable insurance for a Honda Pilot, State Farm emerges as the front-runner for affordability across different coverage levels. Here's a breakdown emphasizing the most affordable options:

Full Coverage Insurance:
- Cheapest Option: State Farm
- **Annual Premium: $**1,112
- Why Choose State Farm: Offers a compelling combination of low rates and high customer satisfaction, with a MoneyGeek score of 90 out of 100.

- Model-Specific Rates:
- 2022 Honda Pilot: Nationwide offers a competitive rate of $1,201 annually.
- 2009 Honda Pilot: State Farm again provides the most economical option at $921 per year.

Minimum Coverage Insurance:
- Cheapest Option: State Farm
- Annual Premium: $468
- Why Choose State Farm: Consistently delivers low premiums across coverage levels, complemented by a strong reputation for customer service.

Key Considerations:
- Affordability for Teens: State Farm provides the lowest rate for 16-year-old drivers at $4,380 annually, an important consideration for families adding a teen driver to their policy.
- Cost Factors: Insurance costs can vary by factors like age, model year, credit score, and location. For instance, rates for a Honda Pilot can be significantly cheaper in Idaho compared to Florida due to state-specific pricing.

While affordability is crucial, it's also essential to evaluate other factors such as service quality and claims handling when choosing an insurer. State Farm's balance of affordability and service quality makes it a top choice for insuring a Honda Pilot.

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Based on the provided data, the best car insurance provider for a Honda Pilot is State Farm. State Farm holds a MoneyGeek score of 90 out of 100, indicating a strong balance between affordability and customer satisfaction. They offer full coverage for the Honda Pilot at a premium of $1,112 annually, making them the most cost-effective option for insuring this vehicle. Additionally, State Farm's excellent service reputation and efficient claims management further bolster their status as a top choice for Honda Pilot insurance.

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Age significantly affects car insurance premiums due to varying risk perceptions associated with different age groups. Young drivers, especially teenagers, are generally considered high-risk because of their limited driving experience and a higher likelihood of being involved in accidents. Consequently, they face higher insurance premiums. As drivers gain experience and demonstrate a safer driving record over time, their insurance rates generally decrease. 

Insurance Costs for Different Ages

Here's a breakdown of insurance costs for a 2022 and a 2009 Honda Pilot for drivers of different ages:

- 16-Year-Old Drivers:
- *2022 Honda Pilot*: Approximately $6,623 per year
- *2009 Honda Pilot*: Around $5,442 per year

- 40-Year-Old Drivers:
- *2022 Honda Pilot*: About $1,493 per year
- *2009 Honda Pilot*: Approximately $1,178 per year

Observations on Rate Changes with Age

For the Honda Pilot and similar vehicles, insurance premiums are notably higher for 16-year-old drivers compared to 40-year-old drivers. This reflects the greater risk perceived by insurers for younger, inexperienced drivers. As these drivers age into their 20s, the cost of insurance generally decreases, stabilizing closer to the lower rates enjoyed by more mature drivers in their 30s and 40s.

Factors Influencing Insurance Rates

Several factors contribute to variations in insurance premiums, including:

- Model Year: Newer models are typically more expensive to insure due to higher values, sophisticated technology, and potential repair costs.
- Insurer: Different insurers offer varied rates. For instance, State Farm provides competitive rates for both younger and older drivers.
- Coverage Type: Full coverage is more costly than minimum coverage, but offers greater protection.
- Additional Factors: Location, driving record, and credit score also play essential roles in determining premiums.

Recommendations

Younger drivers and their families are advised to compare rates from multiple insurers to find the most affordable and suitable coverage. Adding a teen driver to a family policy can often result in more economical rates than purchasing individual policies. Overall, while age initially results in higher insurance costs, premiums typically decrease as drivers gain experience and establish a safe driving history.

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Why do we need ZIP code?

Why Trust MoneyGeek? We collected thousands of car insurance quotes from Quadrant Information Services to analyze average rates for a Honda Pilot.

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These rates were updated to reflect the average cost of car insurance for a Honda Pilot as of 2023.

10Companies Compared
 
41,832 Quotes Analyzed

Average Cost and Cheapest Companies for Insuring a Honda Pilot

Honda Pilot insurance costs an average of $1,343 annually, but comparing rates can help you find the cheapest car insurance option. State Farm offers the least expensive full coverage policy at $1,112 per year, while Allstate is the priciest at $1,526 annually.

For minimum coverage, State Farm is also the most affordable option at an annual average of $468, whereas Farmers is the most expensive at $704 per year.

Data filtered by:Results filtered by:
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Age:40
Select
Coverage:Full Coverage
State Farm$1,112
GEICO$1,157
Travelers$1,219
Nationwide$1,277
Progressive$1,456
Farmers$1,499
Allstate$1,526

Is a Honda Pilot Expensive to Insure?

Several factors, including a driver's age, driving record, credit score, location and the specific year and model of the vehicle, influence insurance rates for the Honda Pilot. With an MSRP of $53,165, the Honda Pilot is generally considered to have cheaper insurance costs than other vehicles in the same category. Insurance costs for specific models may also be lower due to factors such as the vehicle's value, repair costs or theft rates being relatively low.

Best Companies for Insuring a Honda Pilot

Although cost is critical when searching for the best car insurance for your Honda Pilot, it is not the only important factor. You should also look for a provider with a reputation for excellent service and claims handling. The following are the best Honda Pilot insurers:

  • State Farm: MoneyGeek score of 90 out of 100 ($1,112 per year)
  • GEICO: MoneyGeek score of 89 out of 100 ($1,157 per year)

State Farm received the top affordability score and was ranked second for customer satisfaction, suggesting that customers are generally pleased with its policies and the quality of customer service they receive.

MoneyGeek Top Pick: State Farm

State Farm

pros

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Offers the cheapest rates, averaging $1,112 per year

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Ranked second for customer satisfaction

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Offers essential coverage options like roadside assistance

cons

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Does not offer coverage for custom parts

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Poor claims management score

COMPANY HIGHLIGHTS

State Farm offers exceptional service at competitive rates, making it our top choice for the best Honda Pilot insurance provider.

The company also provides basic coverage options, including car rental coverage, which can pay for rental expenses up to a fixed limit if your car is damaged in an accident. Its rental car and travel reimbursement coverage also takes care of expenses like meals, lodging and transportation up to $500 while you wait for your vehicle to be repaired.

Additionally, State Farm offers optional roadside assistance coverage that can be useful when your car breaks down or you experience other driving-related issues. It includes a variety of services, such as mechanical labor for up to an hour at the breakdown location or towing to the nearest repair facility. If you run out of fuel, require an oil change, have a dead battery or need a tire changed, State Farm can provide these essential services.

Read MoneyGeek's State Farm Auto Insurance Review

MoneyGeek Runner-Up: GEICO

GEICO

pros

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Second-most affordable auto insurer, costing $1,157 per year

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Third-best customer satisfaction rating

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Offers accident forgiveness and mechanical breakdown insurance (MBI)

cons

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Doesn’t provide gap insurance

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Below-average claims management score

COMPANY HIGHLIGHTS

If you prioritize both affordability and customer satisfaction, GEICO is an excellent option for Honda Pilot insurance. The insurer also provides two important coverage add-ons: accident forgiveness and mechanical breakdown insurance (MBI).

Offering better coverage at a more affordable price point than most dealer-extended warranties, MBI is a fantastic add-on option. It covers all parts and systems of the car, unlike most dealer warranties that may only cover specific parts. MBI is available for new or leased vehicles under 15 months old with fewer than 15,000 miles.

GEICO's accident forgiveness coverage prevents your car insurance premiums from increasing after your first at-fault accident. It can be purchased or earned by maintaining an accident-free driving record for five years or more and being over 21 years old.

Cost of Insuring a Honda Pilot by Model Year

The average cost of car insurance for the Honda Pilot can vary based on the vehicle's model year. The difference between the 2009 ($1,178) and 2022 ($1,493) models of the Honda Pilot is $315. Newer models are more expensive to insure due to their higher value, more advanced technology, higher theft rates and increased likelihood of expensive repairs.

Data filtered by:Results filtered by:
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Age:40
Select
Coverage:Full Coverage
2022$1,493
2021$1,447
2020$1,411
2019$1,427
2018$1,418
2017$1,339
2016$1,311
2015$1,259
2014$1,215
2013$1,224
2012$1,208
2011$1,171
2010$1,187
2009$1,178

Honda Pilot insurance costs can differ depending on the model year and the insurance company. For example, the 2022 Honda Pilot has the lowest full coverage rate with Nationwide at $1,201 per year, while State Farm offers the cheapest rate for the 2009 model at $921 per year.

Data filtered by:Results filtered by:
Select
Model Year:2022
Select
Age:40
Select
Coverage:Full Coverage
Nationwide$1,201
GEICO$1,294
State Farm$1,378
Travelers$1,416
Progressive$1,500
Farmers$1,716
Allstate$2,139

Cost of Insuring a Honda Pilot for 16- to 25-Year-Olds

Car insurance costs are much higher for young adults and teenagers than those over 30. For example, Honda Pilot insurance costs 16-year-old drivers around $5,931 per year, while 40-year-old drivers pay an average of $1,306 annually.

The cost of auto insurance for teens generally decreases and levels out as drivers age into their 20s. Due to their limited experience on the road, younger drivers are perceived as being more prone to accidents, which is why they generally face higher auto insurance premiums.

Data filtered by:Results filtered by:
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Coverage:Full Coverage
16$5,931
17$4,825
18$4,233
19$2,940
20$2,663
21$2,052
22$1,899
23$1,765
24$1,676
25$1,514

Adding a teen driver to a family plan is generally the best way to get the cheapest rates, as individual policies can be very expensive. State Farm provides the cheapest individual policies for 16-year-old drivers of a Honda Pilot at $4,380 per year. Allstate is the most expensive, charging an annual $9,702. We recommend teens and their families compare rates from several insurers to find affordable car insurance that meets their coverage needs.

Data filtered by:Results filtered by:
Select
Age:16
Select
Model Year:2022
Select
Coverage:Full Coverage
State Farm$4,380
Nationwide$4,504
Travelers$5,632
GEICO$6,088
Progressive$7,875
Farmers$8,553
Allstate$9,702

How Does Location Affect the Cost of Honda Pilot Insurance?

Although the car model, year and driver age all influence Honda Pilot insurance costs, location can also have a significant impact. Premiums vary by state, with Idaho having the lowest average rate of $299 per year and Florida having the highest at $1,058 per year. When searching for car insurance for a Honda Pilot, we advise obtaining quotes from the most affordable insurers in your state to find the best rates.

Data filtered by:Results filtered by:
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Age Group:30-59
Select
Coverage:Full Coverage
AlabamaNationwide$709$59
AlaskaState Farm$699$58
ArizonaRoot Insurance Company$682$57
ArkansasState Farm$629$52
CaliforniaAAA California$1,001$83
ColoradoAmerican National P&C$541$45
ConnecticutGEICO$693$58
DelawareState Farm$881$73
District of ColumbiaGEICO$662$55
FloridaState Farm$1,058$88
GeorgiaCountry Financial$665$55
HawaiiGEICO$565$47
IdahoAmerican National P&C$299$25
IllinoisCountry Financial$663$55
IndianaAmerican Family$555$46
IowaState Farm$509$42
KansasNationwide$670$56
KentuckyNationwide$790$66
LouisianaLouisiana Farm Bureau$1,048$87
MaineConcord Group$521$43
MarylandProgressive$938$78
MassachusettsState Farm$483$40
MichiganGEICO$898$75
MinnesotaState Farm$797$66
MississippiDirect General Insurance$723$60
MissouriNationwide$909$76
MontanaProgressive$437$36
NebraskaAmerican National P&C$405$34
NevadaCSAA$940$78
New HampshireState Farm$540$45
New JerseyPlymouth Rock Assurance$895$75
New MexicoState Farm$644$54
New YorkKemper$781$65
North CarolinaErie$630$52
North DakotaAmerican Family$616$51
OhioNationwide$485$40
OklahomaState Farm$662$55
OregonState Farm$706$59
PennsylvaniaNationwide$580$48
Rhode IslandState Farm$700$58
South CarolinaAmerican National P&C$463$39
South DakotaAllstate$746$62
TennesseeState Farm$579$48
TexasState Farm$699$58
UtahNationwide$725$60
VermontState Farm$493$41
VirginiaAmerican Family$601$50
WashingtonPEMCO$534$44
West VirginiaErie$784$65
WisconsinGEICO$556$46
WyomingState Farm$745$62

Frequently Asked Questions About Honda Pilot Insurance

If you're looking for the best Honda Pilot insurance provider, you may have some inquiries about the process. We have answered some frequently asked questions about cost and customer service to assist in your search.

What company has the cheapest car insurance for a Honda Pilot?

What company offers the best car insurance for a Honda Pilot?

About Mark Fitzpatrick

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Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.

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